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INDIVIDUAL EXCESS LOSS ADVANTAGE PROVISION - <br /> This provision applies only if indicated on the Schedule . <br /> SAFECO will reimburse the Participating Employer for payments SAFECO considers are Covered <br /> Expenses that the Participating Employer makes that exceed the Individual Advantage Deductible shown <br /> on the Schedule . The Individual Advantage Deductible applies in addition to the Individual Deductible for <br /> Paid Claims that are : <br /> a , incurred while the Employee Benefit Plan is in force ; <br /> b . in excess of the Individual Deductible , shown on the Schedule ; <br /> c. paid for Covered Units or Covered Family Units according to the terms of the Employee Benefit <br /> Plan ; and <br /> d , incurred during the Policy Period or during the Run-in Period shown on the Schedule and paid <br /> during the Policy Period or during the Run-out Period shown on the Schedule . <br /> Payments for Covered Expenses that are eligible for more than one Policy Period will apply toward the <br /> Policy Period in which the Covered Expenses were actually incurred . <br /> Reimbursements will be subject to the Run-in Limit and Run-out Limit shown on the Schedule . <br /> Covered Expenses for more than one Covered Unit or Covered Family Unit may be combined to satisfy <br /> the Individual Advantage Deductible . <br /> Covered Expenses that apply toward the Alternate Individual Deductible shown on the Alternate <br /> Reimbursement Endorsement will not apply toward the Individual Advantage Deductible . <br /> The benefit reimbursed by SAFECO will be at the Reimbursement Percentage shown on the Schedule <br /> and will not exceed the Individual Lifetime Reimbursement Maximum shown on the Schedule . <br /> The Individual Advantage Deductible may be applied toward the Aggregate Attachment Point if indicated <br /> on the Schedule . <br /> LGC 8805 11 /01 <br />